Yendo Logo in SVG

Get up to $10k in credit using the value of your car

The Yendo credit card, powered by Mastercard®, lets you use your car to access a line of credit.

No hard pull for pre-approval

Access up to $10k  in revolving credit - no need to re-apply

Virtual card and cash advances available


What people are saying about Yendo.

“The process is super simple and easy. All you gotta do is download the app, take a couple pictures, and then your line of credit is available.”

Stephen M.

Hyundai Sonata

“You guys, this company is a solution to your debt problems. Instead of getting a car title loan with 300% interest, get a credit card secured by your car title! What a brilliant idea! Just download the Yendo app and get started today.”

Kathleen B.

Nissan Rogue

“I was looking for a title loan and ran across this. It is so much better than any title loan you’ll ever get. The interest rate is reasonable. It’s actually a line of credit. It was super easy. You can do everything on the app on your phone, and it’s great! I highly recommend it.”

Wendy B.

Hyundai Veracruz

“Yendo was a great choice. It was easy to apply and no matter your score you can be approved. Brian reached out over the phone and lead me through the application and even made a trip to meet me to get all set up. They report to the credit bureaus. I’m looking forward for my Yendo account to up my score.”

Melissa T.

Lexus CT 200h

How it works

Yendo’s 3 simple steps under 15 minutes

diamond 1

Get pre-approved

Complete our quick and easy pre-approval process online in minutes - don’t worry, pre-approval won't impact your credit!

diamond 2

Verify you and your car

After your personal identity and car's condition are verified, drop off your title or digitally transfer your auto loan, depending on the ownership of your car.

diamond 3

Access your money

Instantly access money and withdraw cash with cash advances. Since it's a credit card, there's no need to reapply every time you need funds.


How soon can I get my credit card?
Plus sign

Most Yendo customers have access to their virtual credit card within 30 minutes. The virtual card can be used online or with Apple, Google, or Samsung pay. A physical card will be mailed to you and typically arrives in 5-7 days.

If I miss a payment, do I lose my car?
Plus sign

We will always work with you to try to establish a plan that works with your situation. However, as a lienholder, we can exercise our right to recover an outstanding balance, but this is our last option. Keep in mind that with Yendo, your minimum monthly payment can be more affordable compared to other alternatives like title loans.

If I sign up, when and how do I get my title back?
Plus sign

You can get your title back at any time by paying off your balance and giving us a call to close your account. Once we verify that your balance is $0, Yendo will close your account and remove its lien from your title. We will then release the title to you. Or you can keep your account open with a $0 balance and pay no interest, so you can have continued access to your credit card when or if you wish to use it.

What will my credit line be?
Plus sign

Yendo Credit Cards have credit limits ranging from $450 up to $10,000. Your credit limit depends on the make, model, mileage, and condition of your vehicle and your ability to repay.

What are my payment terms?
Plus sign

The Yendo Credit Card provides flexible payment terms. While your official due date is 25 days after receipt of your previous monthly statement, you can pay off all or a portion of your balance in advance at any time. The best part? If you pay your full balance on or before your due date, you pay zero interest. In the event you don’t wish to pay off your full balance, our minimum payment is 3% of your statement balance or $50, whichever is greater. Please note that penalties, such as late fees, may increase your minimum payment requirement.

Your new credit card is in sight.

Access up to $10,000 in credit with Yendo.

get started